2023 Highlights

€29,754 mn

revenue

€5,659 mn

underlyng attributable profit

€619 bn

loans

43.1 %

efficiency

15.1 %

RoTE

€29,754 mn

revenue

€5,659 mn

underlyng attributable profit

€619 bn

loans

43.1 %

efficiency

15.1 %

RoTE

New global business definitions as published on 20 December 2023.

About us

A new global business integrating our retail and commercial banking business to better serve our customers, improve efficiency and drive value creation.

Strategic priorities

  • Implement a common operating model, designed to deliver our vision of becoming a digital bank with branches, and leveraging the scale of Group and our local presence

  • Spread transformation efforts across Retail & Commercial Banking footprint to foster simplification, process automation, and deployment of our best-in-class Tech Platform

  • Enhance profitability: our transformation effort alongside our new operational model will drive cost to serve improvement and client growth

Annual Review 2023: Daniel Barriuso
Annual Review 2023: Daniel Barriuso

Our head

 

Daniel Barriuso

Senior executive vice-president of Banco Santander, Global Head of Retail & Commercial Banking and Chief transformation officer of Banco Santander